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Scottish Trust Deed Forum
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Topic starter
22/09/2018 7:15 pm
Hi I have no debt - I have never been bankrupt/had a trust deed - but my ex husband has. I have no contact with him and thankfully havent for a very long time. I have made a few ppi enquiries about loans we had jointly back in the 90's.
One of the loans it looks like there was a lot of PPI and the bank have told they are calculating what will be refunded. Can you tell me please what happens re my share of this - will I get this? Or will the bank see that my ex husband owed the bank (nothing to do with these accounts we had together - was in future years with his now partner)
Its just that I have been affected by his trust deed back in 2012 and I had to pay £8000 plus £2000 in legal fees to get myself financially detached from this moron and the thought that I might lose my share of this PPI refund just infuriates me! I have no debt - I live within my means but been penalised by association!
Topic starter
23/09/2018 11:40 am
Can anyone advise?
24/09/2018 8:58 am
Hi Haggis,
Can you confirm that your ex's trust deed has ended?
You mention bankruptcy. Has he also been bankrupt?
Which bank(s) are we talking about?
We've often heard of banks splitting the PPI payment on a joint account. I'm not sure that they have to though - circumstances may lead some to look at this on a case-by-case basis.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
Topic starter
24/09/2018 9:58 am
Sorry it’s a trust deed he had and yes it finished last year. The ppi refers to a joint loan we had
Topic starter
24/09/2018 10:03 am
Its Lloyds TSB.
24/09/2018 10:03 am
From my experience with other similar cases, banks will normally split the payment 50/50 between joint parties, so you should be OK. Definitely worth arguing the point if they suggest they are doing otherwise, or if necessary contacting your ex-husband's trustee too.
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
Topic starter
24/09/2018 10:17 am
Thanks Kevin - I will do that if it happens as I do remember back in 2012 when this nightmare first came to me I did find the trustees very understanding.
Topic starter
24/09/2018 10:29 am
In fact - I reread my original posts on here from that nightmare back in 2012 - this was Saturday night - and i was in tears reliving it all BUT this forum was an absolute godsend to me. I was totally lost in this new world I had never encountered before and felt it was me against the banks and trustees and felt so hard done to considering I owed no one anything. Mark was also incredible as well. So this forum isnt just to help folk who are in debt - but also folk who are affected by it too
25/09/2018 8:35 am
It's really kind of you to take the time to write this Haggis.
If we've been able to help you I'm very glad.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds
